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Overview

2 bd2 ba864 sqftManufactured Home
TypeManufactured Home
HOA$350/yr
Built1978
Lot7,800 sqft
Living area864 sqft
Price / sqft$148

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Walk-in Closet(s)Awning(s)Rain GuttersBuyer Approval RequiredClubhouseDeed RestrictionsGolf Carts OK

39443 Elgin Dr is a 1978-built home in Gem Estates Mobile Home Village, Zephyrhills. Inside you'll find 2 bedrooms, 2 bathrooms, and 864 square feet of living space. Listed at $128,000 (about $148/sqft), 383 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $350 annually.

From the listing

WELCOME HOME: Charming 2 bedroom, 2 bath double wide in a desirable 55+ community with no lot rent and a low yearly HOA fee that even includes your water! This well-kept home offers plenty of living space with an air-conditioned front Florida room, a side screened porch for relaxing, and a spacious dining area featuring a built-in buffet. Updated kitchen comes furnished with everything you need to get started, while the HVAC was newly replaced in 2023 for peace of mind. This home comes furnished! Enjoy extra storage with a utility room with shop at the end of the carport, and an additional shed. Larger pets are welcome, and you’ll appreciate that the lots here are bigger than most. The community itself is well maintained and offers a clubhouse and activities for an active lifestyle. Conveniently located near restaurants, shopping, and everyday necessities, this home is the perfect spot to enjoy the Florida sunshine!

The essentials

Built
1978
Price / sqft
$148
On market
383 days
Annual tax
$1,420
HOA
$350/yr
Flood zone
X · Low risk
Lot
7,800 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 1978
7,800 sqft lot
Lot size
864 sqft
Living area

Payment

Est. monthly payment
$879/mo
Down payment (20%)
$25,600
Property taxes
$118/mo
HOA
$350/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
1978
Lot
7,800 sqft
Cooling
Central Air, Wall/Window Unit(s)
Heating
Central, Electric
Parking
-
Days on Market
383
Ceiling Fans(s)
Walk-in Closet(s)
Awning(s)
Rain Gutters
Buyer Approval Required
Clubhouse
Deed Restrictions
Golf Carts OK
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2024)
$1,420
Parcel #
12-26-21-0270-00100-0040

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Gem Estates Mobile Home Village
County
Pasco
MLS Area
33542 - Zephyrhills
Lot Size
7,800 sqft
Paved
HOA
$350/yr
Paula Beck

Price history

Date
Event
Price
3/25/2026
Price change
Source: Stellar MLS #TB8431872
$128,000-6.6%
$148/sqft
9/26/2025
Listed for sale
Source: Stellar MLS #TB8431872
$137,000+163.5%
$159/sqft
2/23/2011
Sold
Source: Pasco County Public Record
$52,000
$60/sqft

Neighborhood

39443 Elgin Dr
Zephyrhills, FL, 33542 · 33542 - Zephyrhills

Market insights

Offer Insights

Choose an offer strength

List price: $128,000
$124,000 – $128,000
97.1% – 100% of listTops out right at the list price
80% of listList price
75 of the last 148 home closings in 33542 landed at this number or higher (51%). The median one sat 45 days before it went under contract, and this one is on day 383 after a $9,000 cut.

Sample: 148 closed home sales in 33542 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$879/mo
Principal & interest$668
Property taxes$118
Insurance$64
HOA$29
Down payment20% · $25,600
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$128,000

$148 per sq ft

Beds and baths

2 beds, 2 baths

Size

864 sq ft

Time on market

383 days

Year built

1978

Monthly payment

About $879/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,420 annual tax bill, insurance, and the $350/yr HOA fee.

HOA fee

$350/yr

Managed by Paula Beck.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCENTURY 21 BILL NYE REALTYListing agent: Kathryn VanaterListing data from Stellar MLS, MLS# TB8431872.

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